12910 W 5th St, Duluth, MN 55808 Property Records

St. Louis County property record for 12910 W 5th St, Duluth, MN 55808

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,526 sqft · built 1948
Lot Size	0.22 acres (9,614 sqft)
Owner	2 Individual Names on Record
Last Sale	$119,900 (Oct 2019)
Tax Bill	$3,268 (2026)
Deeds & Mortgages	Nov 2018 Mortgage Oct 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`010-1620-01570`

Property Details

APN / Parcel Number

Primary APN	`010-1620-01570`
Alternative APN	`1079387`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,526 sqft Gross Area
1st Floor Area	1,334 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1985
Architectural Style	Bungalow
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Lot Area	9,614 sqft (0.22 acres)
Garage Area	816 sqft
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	320 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1079387
Street Address	12910 W 5TH ST
City	DULUTH
State	MN
Zip	55808-2255
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 112 AND 114 SERIAL #
Legal Subdivision	FOND DU LAC ON FOURTH STREET
Legal Lot Number	112,114
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3023
Census Tract	3800

Owner

Source: St. Louis County records, as of August 17, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	12910 W 5TH ST, DULUTH, MN 55808-2255
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 27, 2018	Deed of Trust, Mortgage · Conventional Mortgage REPUBLIC BANK INC
Oct 22, 2019	Warranty Deed, Transfer · Conventional with PMI CALIBER HM LOANS
Aug 30, 2017	Grant Deed, Construction Loan · Construction Mortgage REPUBLIC BK
Apr 4, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 22, 2019 · Amount on Record
Deed Sale	Oct 22, 2019 · Amount on Record
Prior Sale	Sep 21, 2016 · Amount on Record
Deed Document Number	20191365888
Prior Transfer Date	Jan 20, 2004
Prior Transfer Doc	0000933725
Record Updated	Sep 20, 2026

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	12910 W 5TH ST, DULUTH, MN 55808-2255
Transaction Type	Mortgage
Record Updated	Aug 15, 2022
Title Company	FIRST AMERICAN TITLE INSURAN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001345456
Date	Nov 27, 2018
Instrument	1345456

Lender

Name	REPUBLIC BANK INC
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 22, 2019
Property Address	12910 W 5TH ST, DULUTH, MN 55808-2255
Document Number	00A1365888
Instrument Date	Oct 3, 2019
Instrument	A1365888
Transaction Type	Transfer
Record Updated	Dec 17, 2019
Title Company	ARROWHEAD TITLE COMPANY, ARROWHEAD ABSTRACT & TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$395.67
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	12910 W 5TH ST DULUTH MN 558082255, DULUTH, MN 55808-2255

Mortgage

Document Number	A1365889
Date	Oct 22, 2019
Instrument	A1365889

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 21, 2049

August 2017: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 30, 2017
Property Address	12910 W 5TH ST, DULUTH, MN 55808-2255
Document Number	00A1316540
Instrument Date	Aug 30, 2017
Instrument	A1316540
Transaction Type	Construction Loan
Record Updated	Aug 24, 2018
Title Company	CONSOLIDATED TITLE COMPANY, CONSOLIDATED TITLE CO.

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	12910 W 5TH ST DULUTH MN 558082255, DULUTH, MN 55808-2255

Mortgage

Document Number	A1316541
Date	Aug 30, 2017
Instrument	A1316541

Lender

Name	REPUBLIC BK
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Aug 29, 2018

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST LOUIS MN
Recording Date	Apr 4, 2017
Property Address	12910 W 5TH ST, DULUTH, MN 55808-2255
Document Number	00A1306806
Instrument Date	Mar 23, 2017
Instrument	A1306806
Transaction Type	Transfer
Record Updated	Apr 24, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5000 PLANO PKWY CARROLLTON TX 750104900, CARROLLTON, TX 75010-4900
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: St. Louis County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
Municipality	Duluth City
Unified School District	Duluth Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,268.00 (+14.67%) Homeowner's exemption
2025	$2,850.00 (-4.23%) Homeowner's exemption	$254,700 (+11.08%) Land $19,100 Building $235,600	$254,700 (+11.08%) Land $19,100 Building $235,600
2024	$2,976.00	$229,300 (+126.13%) Land $18,800 Building $210,500	$229,300 (+126.13%) Land $18,800 Building $210,500
2022		$101,400 Land $15,900 Building $85,500	$101,400 Land $15,900 Building $85,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective March 24, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 in force
Nearby Flood Claims	22 (1979–2012)
Claims Outside the SFHA	5 of 22
Most Recent Claim	Jun 2012 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Jun 2012 · 14 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 80% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	Duluth serves 86,859 people · EPA ID MN1690011
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	8 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Oct 2017
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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